Invest Capital Investment Bank Limited (PSX: ICIBL)

ICIBL Income Statement

Financials in millions PKR. Fiscal year is July - June.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2024	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021	Jun 30, 2020
Interest and Dividend Income	125.63	125.63	123.56	117.73	67.08	62.82
Total Interest Expense	-	-	12.03	4.93	9.84	21.24
Net Interest Income	125.63	125.63	111.53	112.8	57.24	41.58
Gain on Sale of Investments (Rev)	18.62	18.62	-3.42	-5.06	2.71	-6.68
Other Revenue	6.16	6.16	3.01	-2.45	-4.2	35.33
Revenue Before Loan Losses	150.42	150.42	111.12	105.29	55.76	70.23
Provision for Loan Losses	-29.51	-29.51	-19.65	-32.73	-39.79	49.67
Revenue	179.93	179.93	130.77	138.02	95.55	20.56
Revenue Growth (YoY)	37.59%	37.59%	-5.25%	44.45%	364.83%	-63.74%
Cost of Services Provided	37.29	37.29	34.95	27.28	23.88	23.07
Other Operating Expenses	0	0	0.01	0.01	0.01	0.01
Total Operating Expenses	37.3	37.3	39.18	27.33	27.1	26.39
Operating Income	142.63	142.63	91.59	110.69	68.45	-5.83
Other Non-Operating Income (Expenses)	5.16	5.16	6.55	5.12	3.97	4.31
EBT Excluding Unusual Items	147.79	147.79	98.14	115.81	72.42	-1.52
Gain (Loss) on Sale of Investments	0.69	0.69	-	-	-	-
Other Unusual Items	-	-	-	5.73	18.66	70.4
Pretax Income	148.48	148.48	99.23	121.54	91.08	68.89
Income Tax Expense	23.86	23.86	9.47	26.27	7.22	22.77
Net Income	124.62	124.62	89.76	95.27	83.86	46.12
Net Income to Common	124.62	124.62	89.76	95.27	83.86	46.12
Net Income Growth	38.84%	38.84%	-5.79%	13.61%	81.81%	-
Shares Outstanding (Basic)	285	285	285	285	285	285
Shares Outstanding (Diluted)	285	285	285	285	285	285
EPS (Basic)	0.44	0.44	0.32	0.33	0.29	0.16
EPS (Diluted)	0.44	0.44	0.32	0.33	0.29	0.16
EPS Growth	38.84%	38.84%	-5.79%	13.61%	81.81%	-
Free Cash Flow	104.97	104.97	60.05	98.23	158.55	19.72
Free Cash Flow Per Share	0.37	0.37	0.21	0.34	0.56	0.07
Operating Margin	79.27%	79.27%	70.04%	80.20%	71.63%	-28.36%
Profit Margin	69.26%	69.26%	68.64%	69.03%	87.76%	224.37%
Free Cash Flow Margin	58.34%	58.34%	45.92%	71.17%	165.93%	95.92%
Effective Tax Rate	16.07%	16.07%	9.55%	21.61%	7.93%	33.05%
Revenue as Reported	150.42	150.42	123.15	110.22	65.6	91.47

Source: S&P Capital IQ. Capital Markets template. Financial Sources.